Top of main content

Rewards Credit Card

The credit card that rewards you when you shop

Graphic Rewards Credit Card image

Rewards at the ready

With the HSBC Rewards Credit Card, you’re never far from a reward. Collect reward points by shopping with your card. Then use the Mastercard Pay with Rewards app or website to use your points towards purchases – online or in stores.


You need to have an HSBC Advance Bank Account (or have paid a total of £1750 a month into an HSBC UK Bank or Premier Account over the last 6 months).

Credit is subject to status, affordability and terms and conditions.

Representative example

21.9% APR (variable)

Representative APR

21.9% p.a. (variable)

Purchase rate

Based on an assumed credit limit of


Earn rewards you can access in an instant

Collect points

To collect reward points, simply shop as usual with your card. Get up to 10 points for every £1 you spend at selected retailers, and 1 point for every £5 you spend elsewhere. 100 points is worth £1.

Get bonuses

Get 2,500 welcome points worth £25 when you make your first transaction. Plus, spend £10,000 or more on your card in a year and we’ll give you another 2,500 bonus points.

Save money

Use your points towards purchases, wherever Mastercard’s accepted. There’s no waiting for vouchers or statements to arrive – use your points instantly with the Pay with Rewards app.

Collecting and spending reward points is easy. Find out how it works

Card details

  • Pay with Rewards

    Use your reward points against everyday purchases, wherever Mastercard is accepted using the Pay with Rewards app or website.

  • 0% interest on purchases for 6 months* from account opening

  • 0% interest for 6 months* on balance transfers made within the first 60 days of account opening

    A 2% fee applies (minimum £5).

  • No annual fee

  • Apple Pay – immediate access to spending

    Add your new credit card to Apple Pay from the iOS version of the HSBC UK Mobile Banking app. This allows you to pay for things in shops, apps and on websites immediately using Apple Pay, while waiting for your new card to arrive.

* At the end of the promotional period, balance transfers and purchases will revert to the standard variable rate.

Using your card

  • Manage your card wherever you are

    You can use Online Banking or the HSBC Mobile Banking app to check your credit card balance, make payments and stay in control.

  • Get an additional card

    As long as they’re over 18, you can add your partner or a family member to your account.

  • Use your card abroad

    You can use your HSBC Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-HSBC cash machines may also charge a fee.

  • 24/7 worldwide assistance

    Help is always at hand if your card is lost or stolen. Wherever you are in the world you can speak to our dedicated team about getting an emergency cash advance.

  • Temporarily block your card

    For those times your card is misplaced, add a temporary block on your card, and simply unblock it when it turns up.

  • Exclusive offers

    Access worldwide offers and discounts on everything from savings on clothing to exciting days out. We’re constantly updating our offers, so they may vary as new ones come in. Discover HSBC home&Away.

Apply for the HSBC Rewards Credit Card

Please ensure you read the important information in the ‘Things you should know’ section before applying.

Registered for online banking?

If you’re already registered for online banking, you can apply online now.

View your pre-filled application form, submit in just one click, and receive an instant decision.

Apply in the mobile app

If you're registered for mobile banking and have downloaded the app you can apply within the app in just a few clicks.

Not registered yet?

You need to be registered for Online Banking to apply.

1The following do not count as eligible purchases: ATM cash withdrawals; cash advances or cash related payments; balance transfer transaction; tax payment transactions; gambling transactions; any fees or charges incurred through the use of your credit card.

2Pay with Rewards can be used against any transaction anywhere a Mastercard credit transaction is accepted (each, Mastercard-accepting location, an "Authorised Merchant"), including with respect to e-commerce, in person payments and recurring payments subject to local legal and regulatory requirements.  However, "Authorised Merchants" do not include hotels, car and truck rental agencies, gas stations, cruise ships and other merchants or transactions requiring pre-authorization, as Mastercard may designate from time to time, without further notice to you.  Also, a merchant is not an "Authorised Merchant" for a transaction if the transaction is not processed by the Mastercard payment network

3The total eligible net spend in the 12-month period from the account opening date needs to be £10,000 or more. Spends that are not considered eligible are ATM cash withdrawals; cash advances or cash related payments; balance transfer transaction; tax payment transactions; gambling transactions; any fees or charges incurred through the use of your credit card.

4 National brands are updated frequently. See up to date offers on the Mastercard Pay with Rewards app or website.

Frequently asked questions

You might also be interested in


Take control of your finances with multiple ways to bank. 


Find out how an HSBC Advance Current Account can reward you.

You’ll need to pay in at least £1750 per month.


Put your ideas into action with an HSBC loan.


Our Premier credit card for our Premier customers.

It's easy to answer your query online. Visit our Help page to find out how.